CICA Life Burial Insurance Review

Our CICA Life burial insurance review will give you all the information you need about their burial, cremation, funeral insurance, or final expense products.

CICA Life is one of the best life insurance companies we recommend to people with significant health issues wanting to get first-day coverage insurance. 

This CICA Life insurance review will help you decide if their burial insurance plans are right for you.

Table of Contents

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What Are My Policy Options With CICA Life?

CICA Life offers two final expense insurance products:

  • Superior Choice Standard Plan
  • Superior Choice Guaranteed Issue policy

CICA Life Superior Choice Standard – CICA Life’s first-day coverage plan. It does not require a medical exam, you only need to answer basic health questions.

We highly recommend this plan for people with significant health issues like uncontrolled high blood pressure, stroke, TIA, uncontrolled diabetes and diabetic complications, congestive heart failure, heart disease, cardiomyopathy, lung diseases including COPD and emphysema, liver cirrhosis, liver failure, kidney failure, kidney insufficiency, kidney disease even kidney dialysis.

CICA Life Superior Choice Guaranteed Issue – CICA Life’s burial insurance product that accepts all health issues. The only downside to this plan is the two-year waiting period. If you die during the waiting period, CICA Life will pay 110% of the premiums you paid.

Issue Ages 0-85 years old
Benefit amount $1,000 – $30,000
0 – 50 years old$1,000 – $30,000
51 – 70 years old$1,000 – $20,000
71 – 85 years old$1,000 – $10,000
Level premiumsPremiums will never increase
Death benefitImmediate
50% accelerated living benefitBenefits may be accelerated due to terminal illness
Cash valueAccumulate cash value over time
Issue Ages 0-85 years old
Benefit amount $1,000 – $30,000
0 – 50 years old$1,000 – $30,000
51 – 70 years old$1,000 – $30,000
71 – 85 years old$1,000 – $10,000
Level premiumsPremiums will never increase
Death benefit110% premiums paid for 1st two years
50% accelerated living benefitBenefits may be accelerated due to terminal illness
Accidental deathDoubles the policy face amount

Is CICA Life Burial Insurance Good For Seniors?

CICA Life is best for seniors with significant health issues who would not qualify for a first-day coverage plan with other insurance companies.

CICA Life offers 1st-day coverage for both common and serious health problems (must be following doctor’s health and prescription recommendations):

  • Uncontrolled high blood pressure
  • Uncontrolled diabetes
  • Cardiomyopathy
  • COPD
  • Congestive heart failure
  • Diabetic complications
  • Emphysema
  • Heart disease
  • Kidney dialysis
  • Kidney failure
  • Kidney insufficiency
  • Liver cirrhosis
  • Liver failure

Health Conditions NOT Accepted For 1st-Day Coverage

If you have any of the medical conditions below, you will not qualify for CICA’s first-day coverage policy. However, you would qualify for their Guaranteed Issue life insurance product.

Guaranteed Issue Health Conditions Accepted:

  • AIDS
  • Alzheimer’s disease
  • Brain disease
  • Cystic fibrosis
  • Dementia
  • Huntington’s disease
  • Hospitalized more than 2 or more times in the last 2 years
  • Inability to perform activities of daily living
  • Lou Gehrig’s disease
  • Mental disorder
  • More than one occurrence of cancer
  • Multiple myeloma
  • Muscular dystrophy
  • Organic brain syndrome
  • Organ Transplant in the last 5 years
  • Pulmonary fibrosis
  • Substance abuse
  • Systemic Lupus
  • Terminal illness

Does CICA Life Have Any Hidden “Fine Print” In Their Policy?

CICAs Standard Plan offers 1ST-DAY COVERAGE and is a terrific plan with no worrisome fine print. It is a great policy for people with serious health impairments.

CICA guaranteed issue life insurance comes with a mandatory two-year waiting period. If the policyholder dies during the waiting period, CICA Life will return all the premiums paid plus 10%. We do not recommend CICAs guaranteed issue plan to our clients.


PROSSTANDARD PLAN (1st-day coverage)

  • First-day coverage 
  • Premiums stay the same
  • Death benefit will never decrease
  • No Tobacco Usage Question
  • No Height or Weight Requirement
  • No Medical Information Bureau or Prescription Check.
  • Nonforfeiture Options
  • Physician information is recommended but not required –
  • Simple application and approval process over the phone
  • Terminal Illness Accelerated living benefits are added with no additional costs.
  • Accidental dismemberment benefit
  • CICA life has lenient underwriting significant health issues like uncontrolled high blood pressure, diabetic complications, heart disease, lung disease, kidney failure, and dialysis qualify for a first-day coverage plan.

CONSSTANDARD PLAN (1st-day coverage)

  • Not available in 50 states
  • Maximum coverage amount is:
    • 0-50: $1,000 – $30,000
    • 51-70: $1,000 – $20,000
    • 71-85: $1,000 – $10,000


  • Accepts all health issues
  • Accelerated living benefits at no cost
  • Premiums stay the same
  • Death benefit will never decrease


  • Two-year waiting period
  • More expensive than other carriers two-year waiting period plans
  • Not available in 50 states
  • Maximum coverage amount is:
    • 0-70: $1,000 – $30,000
    • 71-85: $1,000 – $10,000


  • 50% Accelerated Living Benefit Rider – this benefit pays out 50% of your death benefit if you are diagnosed with a terminal illness that is expected to result in death within one year.
  • Accidental Death Benefit – doubles the face amount if you die from an accident
  • Dismemberment – pays out an amount if you have a dismemberment. 

Other Benefits:

  • Reduced Paid Up – allows you to use your policy’s cash value to buy a smaller amount of paid-up insurance. If you stop paying your premiums, you are still covered.
  • Extended Term – insurance allows you to use your policy’s cash value to buy single-premium term insurance with the same death benefit.


CICA Life’s standard plan will ask if you’ve had health issues in the last 12, 24 months, 5 years, and 10 years.

CICA Life Application Questions

A) Are you CURRENTLY hospitalized, confined to a bed or nursing facility, residing in an assisted living facility, receiving hospice care, or do you have any physical or mental impairment for which you need or receive assistance or supervision in performing normal activities of daily living, unable to care for yourself, or terminally ill? (Terminally ill means an illness or physical condition, including a physical injury, that can reasonably be expected to result in death within 12 months. A Terminal illness is based on diagnosis by a member of the medical profession.)

B) Have you EVER been diagnosed by a member of the medical profession or tested positive for Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS)?

C) Have you BEEN DIAGNOSED by a member of the medical profession with MORE THAN ONE occurrence of ANY cancer, a recurrence of any cancer, metastasis of any cancer, or currently being treated for cancer (excluding basal cell or squamous cell skin cancer)?

D) In the PAST 10 YEARS, have you been medically diagnosed, for which you have NOT been treated by a member of the medical profession, or have NOT taken medication for the following: uncontrolled diabetes, uncontrolled high blood pressure, stroke/TIA, paralysis, Congestive Heart Failure, heart disease, cardiomyopathy, lung disease (including COPD (Chronic Obstructive Pulmonary Disease)/emphysema), liver cirrhosis or failure, kidney (renal) failure/insufficiency, or chronic/end-stage kidney disease (including dialysis)?

E) Have you EVER been medically diagnosed, treated by a member of the medical profession, or prescribed medication for mental disorder, disorder of the brain or nervous system, Systemic Lupus (SLE), Alzheimer’s disease, dementia, brain disease, organic brain syndrome, Lou Gehrig’s disease (ALS), Huntington’s disease, Muscular Dystrophy, Cystic Fibrosis, Pulmonary Fibrosis, or Multiple Myeloma?

F) In the PAST 2 YEARS, have you been hospitalized 2 or more times, or have you been advised or recommended by a member of the medical profession to have any tests (except for tests relating to Human Immunodeficiency Virus (AIDS virus)), treatment, surgery, or hospitalization which has not been received or completed?

G) Within the PAST 2 YEARS, have you been treated for or been advised by a medical professional to have treatment for alcohol, drug, opioid, or controlled substance abuse, plead guilty or been convicted of a felony or misdemeanor for any reason?

H) Within the LAST 5 YEARS have you been advised to by a member of the medical profession to have an organ transplant?

I) Within the LAST 2 YEARS, have you received medical advice or treatment following an attempted suicide?

Does CICA Life Have Same Day Approval Process?

CICA Life has a simple application process. You can apply over the phone with the help of Funeral Funds independent agents.

Your application only takes a few minutes over the phone.


50F: $15.10
M: $25.23
F: S30.21
M: $32.59
F: $45.31
M: $48.89
F: $60.42
M: $65.18
52F: $16.30
M: $17.81
F: $32.60
M: $35.62
F: $48.90
M: $53.43
F: $65.20
M: $71.23
54F: $17.73
M: $19.67
F: $35.45
M: $39.34
F: $53.18
M: $59.01
F: $70.90
M: $78.68
56F: $19.49
M: $21.83
F: $ 38.98
M: $43.66
F: S58.46
M: $65.49
F: $77.95
M: $87.32
58F: $21.53
M: $24.08
F: $43.05
M: $48.15
F: $64.58
$: 72.23
F: $86.10
M: $96.30
60F: $23.63
M: $26.55
F: $47.25
M: $53.09
F: $70.88
M: $79.64
F: $94.50
M: $106.18
62F: $25.93
M: $29.27
F: $51.85
M: $58.54
F: $77.78
M: $87.81
F: $103.70
M: $117.08
64F: $28.45
M: $32.28
F: $56.90
M: $64.55
F: $85.35
M: $96.83
F: $127.27
M: $129.10
66F: $31.82
M: $37.17
F: $63.63
M: $74.33
F: $95.45
M: $115.50
F: $127.27
M: $148.67
68F: $35.75
M: $42.80
M: $85.60
F: $107.25
M: $128.40
F: $143.00
M: $171.20
70F: $40.17
M: $49.28
F: $80.33
M: $98.57
F: $120.50
M: $147.85
F: $160.67
M: $197.13
72F: $45.13
M: $56.75
F: $90.26
M: $113.51
74F: $50.71
M: $65.35
F: $101.42
M: $130.71
76F: $56.98
M: $75.26
F: $113.95
M: $150.52
78F: $64.02
M: $86.67
F: $128.04
M: $173.33
80F: $74.30
M: $99.69
F: $146.59
M: $199.38

CICA Life Insurance Compared To Other Insurance Companies

CICA Life is slightly more expensive than other first-day coverage programs, but it is the only one that offers coverage for so many health impairments that almost all other insurance companies would deny.


CICA Life’s Operational History

CICA Life of America was incorporated in Texas on June 2, 1965, and began selling life insurance in 1966. It is licensed in multiple states nationwide.

Company Address                  
11815 Alterra Pkwy,
Suite 1500 Austin, 
TX 78758

Contact Info
Emai & Claims:
Phone: (512) 837-7100

CICA Life’s Financial Rating

AM Best has assigned a Financial Strength Rating of B++ (Good) and a Long-Term Issuer Credit Rating of “bbb+” (Good) to CICA Life Insurance Company of America (CICA).

Does CICA Life Have Any Consumer Complaints?

CICA has 2 complaints closed in the last 3 years with the Better Business Bureau. This is remarkably low for ANY business, which means they are a great company to get a policy from.


What is CICA Life’s Sales Process?

Independent life insurance agencies like Funeral Funds of America sell CICA Life. We can help you buy life insurance over the phone.


Who owns CICA Life Insurance? CICA  Life of America Life Insurance Company is a part of the Citizens, Inc. group of insurance companies.
What is the maximum age for a policy with CICA Life? You can apply for coverage until 85 years old.
What does CICA Life insurance cost? CICA Life insurance cost depends on age, gender, health, residence state, and coverage amount.
Can I borrow money against my life insurance policy with CICA Life? Policy loans and withdrawals are allowed with CICA whole life insurance.
What other benefits does CICA Life offer? CICA Life provides non-forfeiture options for policyholders who cannot continue to pay their premiums. Reduced paid-up and extended term provide a safety net for continued protection.
Does Trinity Life insurance expire? Both the Standard plan and guaranteed issue policy provide whole life protection.
Can I make changes to my policy with CICA Life? Yes, you can add or subtract coverage and change beneficiaries and address information anytime.
What are the common terms used when searching for Trinity Life Insurance
    Here are some common terms people use when searching for, or describing Trinity Life life insurance Products:
  • CICA Life Burial Insurance
  • CICA Life Cremation Insurance
  • CICA Life Final Expense Insurance
  • CICA Life Funeral Insurance
  • CICA Life Term Life Insurance
  • CICA Life Universal Life Insurance
  • CICA Life Whole Life Insurance
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